USDA Loan Vs. FHA loan pro & con LaFayette, Onondaga County, NY

In 2025, the USDA loan limit for LaFayette, in the county of Onondaga, NY, is set at $336,500. Meanwhile, the FHA limit for a single-family home stands at $472,030.

Employ the Lendersa® USDA loan calculator to evaluate and compare the top USDA versus FHA rates today, identifying the income, credit, reserves, and documents required to qualify. Our advanced mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, aiding your decision on the best option for your financial needs in .

USDA and FHA Loan Options in LaFayette, NY

Lendersa® aims to quickly get you the best USDA or FHA loan options, hassle-free. Choose one of three starting points to connect with lenders that fit the USDA loan programs.

Lendersa USDA loan request and matching outcomes

Understanding USDA Loans in NY

A USDA home loan is backed by the U.S. Department of Agriculture, often called a USDA rural development loan or USDA mortgage, and is specifically available in rural areas. Unlike FHA loans that require a 3.5% down payment minimum, USDA mortgages do not require any down payment.

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(800) 724-9282 Lender's profile and map Reviews Reliant Community Federal Credit Union 10 Benton Pl., Sodus, NY, 14551 Reliant Credit Union is a member-owned and member-driven full-service financial institution with nine branches across Monroe, Ontario, & Wayne Counties in New York. We're committed to making a difference in the communities we serve by improving our members' financial lives and exemplifying the credit union philosophy of "people helping people
(315) 331-3893 Lender's profile and map Reviews NetFunding Corporation 162 Budd Rd, Newark, NY, 14513 NetFunding Corporation's mortgage professionals give you the personal attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in buying a home or refinancing a mortgage. So we make a commitment to you and will help you qualify, apply and be approved for the right mortgage loan for you.
(607) 763-6565 Lender's profile and map Reviews UHS Employees Federal Credit Union 33-57 Harrison Street, Johnson City, NY, 13790 UHS Employees Federal Credit Union has been open since 1974. The credit union has assets totaling $23.59 Million and provides banking services to more than 3, 000 members. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups,
(607) 722-3335 Lender's profile and map Reviews Tioga State Bank, National Association 1430 Upper Front St, Binghamton, NY, 13901 Tioga State Bank has been providing loans to business customers and forming long lasting relationships for over 150 years. We believe it’s in your best interest to have a working relationship with a local banker; one that takes time to learn your business. We know what it takes for a business to get started and to succeed. As local bankers, we know
(800) 242-2120 Lender's profile and map Reviews Visions Federal Credit Union 24 McKinley Avenue, Endicott, NY, 13760 At Visions, we condemn racism, violence, discrimination, and hatred toward any person or persons. It is in our foundation as a credit union to accept and serve all members equally, regardless of their race, social status, or financial position This spirit of inclusion extends to our homes and our employees, too.
(607) 561-7328 Lender's profile and map Reviews Sidney Federal Credit Union 42 Union Street, Sidney, NY, 13838 Sidney Federal Credit Union offers convenient locations throughout Chenango, Otsego, & Delaware Counties with branches in Sidney, Norwich, Bainbridge, Oneonta, Greene, Hancock, Walton, & Delhi. Sidney Federal Credit Union is a federally insured financial institution - banking. easier.
(607) 547-5700 Lender's profile and map Reviews Leatherstocking Credit Union 24 Glen Avenue, Cooperstown, NY, 13326 Leatherstocking Credit Union, established in 1977 is a not-for-profit financial cooperative located in Cooperstown, NY, the home of the National Baseball Hall of Fame and Museum. Originally formed to serve the employees of Bassett Hospital, our current field of membership includes anyone who lives, works, worships, attends school..
(607) 829-3560 Lender's profile and map Reviews Chen–Del–O Federal Credit Union 114 Main Street, Franklin, NY, 13775 The Chen-Del-O Federal Credit Union is a federally organized cooperative, composed of people with a common bond of employment. The members are the owners of the Credit Union. They elect a Board of Directors who determine the policies under which the credit union operates according to rules established by the National Credit Union Administration,
(585) 394-2436 Lender's profile and map Reviews Canandaigua Federal Credit Union 3210 Eastern Boulevard, Canandaigua, NY, 14424 Canandaigua FCU is a Credit Union that is a not-for-profit financial institution. Serving our members with financial products and services from savings to loans and everything in between. We have Mobile Banking, Home Banking and Bill Pay free to our members.Credit Union that is a not-for-profit financial institution.
(585) 394-4260 Lender's profile and map Reviews CNB Mortgage Company 72 South Main Street, Canandaigua, NY, 14424 CNB Mortgage Company we strive to make the mortgage process swift and simple - with local decision making and loan processing. Our experts will find a mortgage solution to fit your needs, offering portfolio mortgages, fixed rate mortgages, construction loans, home equities and Special Loan Programs.
(888) 372-9299 Lender's profile and map Reviews Elmira Savings Bank 333 E Water St, Elmira, NY, 14901 Elmira Savings Bank is a full service community bank headquartered in Elmira, NY. The bank currently has thirteen full-service locations in Chemung, Tompkins, Cayuga & Steuben Counties, as well as one loan center located in Broome County. Elmira Savings Bank strives to provide above-average returns to our shareholders while providing a broad range.
(607) 732-7433 Lender's profile and map Reviews TWIN TIER MORTGAGE 108 Lake Street, Elmira, NY, 14901 Our team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.